ESAF INORI RuPay Platinum Credit Card

ESAF Small Finance Bank · Open to apply

ESAF's RuPay Platinum card, developed with NPCI: no joining or annual fee, 1.25% cashback on bill amounts under terms ESAF does not publish, personal accident cover advertised at up to ₹2 lakh, concierge service and merchant offers. Interest 3% a month, forex markup 2.5%.

Annual fee
Lifetime free
Joining fee
None
Base rate
1.25% cashback on bill amounts: 1.25% cashback (about 1.25% at cash value)
Lounges
None on record
Forex markup
2.5%
Data
From bank documents, checked 6 Nov 2026

Where the sources disagree

  • insurance cover: The card page advertises insurance cover up to ₹2 lakh (personal accident and permanent disability); the MITC says available insurance cover is "Currently not applicable". We enter the page's cover and record the conflict.

Terms the calculator does not value

  • The 1.25% cashback has eligible merchant categories, and possibly an introductory period, that ESAF does not publish (the MITC says the categories are at the bank's discretion; third parties report the rate runs for the first 90 days). The calculator assumes 1.25% on all spends and says so, so the card may be overvalued.
  • No exclusions (rent, wallet, fuel, government) or caps are published for the cashback, so none are entered.
  • Whether the card is issued only against an ESAF fixed deposit is not stated in ESAF's documents (a forum user reports it is); a lien-marked FD is the only route described in the MITC for secured cards.

Sources

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